mark42

Led credit assessment, portfolio oversight, and syndicated commercial lending within the Community Futures network. Managed a ~$6.5M commercial portfolio across ~200 SME borrowers. Achieved top lending performance in 5 of 6 years through disciplined financial analysis and portfolio oversight. Reduced loan loss rates from ~4.5% to ~2% annually through strengthened borrower due diligence and monitoring. Built a borrower risk scorecard model to evaluate sector exposure and portfolio concentration. Structured and coordinated multi-stakeholder syndicated loan arrangements across regional Community Futures offices, aligning risk-sharing and capital participation structures. Evaluated borrower business models, financial projections, and repayment capacity under stress scenarios.

Scaled and operated a multi-location hospitality business with ~65 staff. Expanded operations to 4 locations while maintaining financial and operational oversight. Implemented standardized operating and financial systems across locations. Managed budgeting, forecasting, and performance monitoring across multi-site operations.